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Guide on how to get CRB clearance from Metropol, Credit Info & Trans Union and why you need a CRB clearance certificate

4 reasons you may need a CRB clearance certificate & how to get it | Pulselive Kenya

Amos Robi

<ul><li>CRB clearance certificate is essential for financial and employment purposes in Kenya</li><li>It is issued by licensed Credit Reference Bureaus (CRBs) and indicates credit history status</li><li>Three licensed CRB agents in Kenya are Trans Union, Metropol, and Creditnfo</li></ul>

<p>In Kenya, a Certificate of Clearance from the Credit Reference Bureau (CRB) is an essential document for various financial and employment purposes.</p>

<p>Whether you're looking to secure a loan, apply for a job, or just ensure your credit status is clean, understanding the process and importance of obtaining CRB clearance is crucial.</p>

<p>Here’s a detailed guide on how to get your CRB clearance, why you might need it, and the costs involved.</p>

<p>A CRB clearance certificate is an official document issued by a Credit Reference Bureau that indicates your credit history status. It shows whether you have any outstanding debts or if you've defaulted on loans.</p>

<p>The Central Bank of Kenya licenses CRBs to collect, manage and distribute credit information.</p>

<p><strong>READ: </strong><a href="https://www.pulselive.co.ke/business/domestic/how-to-check-crb-status/1g3vl55"><strong>How to check your CRB status via app, SMS and online</strong></a></p>

<p>CRB collects data on loans issued by the lenders and creates credit reports of the borrower based on the current and past loans.</p>

<p>In Kenya, three CRB agents are licensed for operation, which are regulated by the <a data-link-role-code="open_new_tab" href="https://www.pulselive.co.ke/business/domestic/what-to-expect-after-cbk-hikes-interest-rates-to-highest-level-in-11-years/ncc0k4e" title="Guide on how to get CRB clearance from Metropol, Credit Info &amp; Trans Union ">Central Bank of Kenya</a>: Trans Union, Metropol, and Creditnfo.</p>

<p>A CRB clearance certificate from any of the agents affirms your creditworthiness to the potential lenders.</p>

<h3>Why you may need a CRB clearance</h3>

<ol><li>Loan applications: Banks and financial institutions require a CRB clearance certificate to assess your creditworthiness before approving loans. A positive credit report increases your chances of getting a loan.</li><li>Employment: Some employers, especially in the financial sector, require CRB clearance certificates as part of their hiring process to ensure candidates have a good financial standing.</li><li>Business partnerships: Potential business partners may request your CRB clearance to evaluate your financial reliability.</li><li>Insurance: Certain insurance companies might request a CRB clearance to gauge the risk of insuring you.</li></ol>

Photos of job candidates in line for job interviews Source: AI-Generated (DALL.E)

<p><strong>READ: </strong><a href="https://www.pulselive.co.ke/entertainment/former-royal-media-services-journalist-mwenda-njoka-and-wife-awarded-sh1-million-for/40v31kz"><strong>Former Royal Media Journalist Awarded Sh1 million for wrongful CRB listing</strong></a></p>

<h3>How to get CRB clearance from Trans Union</h3>

<ol><li>Register and pay a total of Sh50 to PayBill number 212121. ...</li><li>To get a certificate from this bureau pay Sh2200 to Paybill number 212121.</li><li>Forward the M-pesa transaction message to e-mail-cert@transunion.co.ke.</li><li>You will get an email with your clearance certificate or a credit status certificate</li></ol>

<h3>How to get CRB clearance from Credit Info</h3>

<ol><li>Visit the Credit site and click on the personal clearance certificate tab</li><li>Fill in the form and pay the required fee of Sh2200</li><li>An email will be sent back to you with your certificate</li></ol>

<p>You will get a clearance certificate if you do not have a negative listing on your credit report. If you have a negative listing on your credit report, you will be issued a credit status certificate.</p>

<p><strong>READ: </strong><a href="https://www.pulselive.co.ke/business/digital-lenders-to-reveal-source-of-their-funding-in-bid-to-curb-money-laundering/wvyvewm"><strong>CBK goes after digital lenders in anti-money laundering campaign</strong></a></p>

<h3>How to get CRB clearance from Metropol</h3>

<ol><li>Go ahead and register with Metropol website or through their app</li><li>Pay a registration fee of Sh100 via Paybill number 220388. Input your ID number as account number on Mpesa.</li><li>Metropol will send you an SMS with a reference number, Crytobol PIN, plus a Link to view your credit report.</li><li>Go back Metropol website and hit on 'Click here to Verify Certificate of Clearance'</li><li>Pay a Clearance Certificate charges of Sh2200 to Paybill number 220388.</li><li>You will be redirected to a page to include your Mobile number and the reference number. Once filled click affirmative.</li><li>If using the app, open it and input the reference and device number</li><li>The app will log in to account where you will be prompted to tap to view the Details of your certificate of clearance.</li></ol>

4 reasons you may need a CRB clearance certificate & how to get it

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